Percent レビュー 

They don't really vet the businesses asking for loans all that well so half of the investments ended up in "work out", which basically means the companies are in a bankruptcy process and you basically can forget about your money. I would not recommend this -- there are other ways to get high returns without losing half of your money.

Percent.com offers accredited investors a way to invest in private credit. You can pick to invest in specific deals or you can put your funds in a Percent blended note for a 1% AUM fee in addition to the 10% interest income Percent takes right before you get paid interest.

Assuming you use an individual account to invest, you pay tax on gross interest income, and your capital losses won't easily offset your Percent interest income.

Private credit is an alternative asset that is significantly riskier than US treasuries, CDs, or MMFs. Percent investors can lose money, and instead should have just bought US treasuries or maybe municipal bonds (or municipal bond ETFs that fit their criteria) if their marginal tax rate is 24+%. Do you own research though.

If an investor wants to invest in Percent deals, pick deals with companies on the platform with a long enough track record and that are profitable. Only invest in asset-based deals as your chance of getting all your money back plus your expected interest income is higher. With total fraud or some other scenarios you can still lose all the money you invested.

Investors can lose money, so don't invest funds you can't afford to lose.

Invested in a number of different deals with them over the course of a couple of years. They are all higher risk deals, so I expected some to default, but not HALF of them. Also, Percent offers little to no information about deals that default other than telling you it defaulted and then never communicating with you again. If you contact them, they will point to "critical updates" on their website that they don't send you directly nor make it easy for you to access. They'll happily send you multiple emails per day to try to get your money (including trying to harass you to rollover your money), but they give you NO insight into problems with your investments. It's going to be a pass from me from now on.

Great customer support! The investments are solid! I will continue to add additional money each month now that I have some experience with the platform.

These guys certainly have to do something with their verification system. It just does not work. The very process always failed. This system just can not read your selfie by comparing it with your standard documents as driver`s license or passport. Customer`s support can not answer what is going on on their side. They just neglect their potential customers.